INVESTING IN ATLANTIC CANADIAN MORTGAGES

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A Mortgage Investment Corporation (MIC) provides investors with access to a diversified portfolio of mortgage investments without the responsibilities associated with direct property ownership.

Keystone MIC was created to provide investors with an opportunity to participate in real estate-backed lending while benefiting from experienced underwriting, disciplined risk management, and deep Atlantic Canadian market knowledge.

WHAT IS A MIC?

A Mortgage Investment Corporation pools capital from investors and uses those funds to finance mortgages secured by real estate.

WHY INVESTORS CHOOSE KEYSTONE MIC

  • Keystone's founders and leadership team have facilitated more than 1,800 mortgage transactions and over $360 million in mortgage funding throughout Atlantic Canada.

  • Investors gain exposure to a diversified portfolio of mortgage opportunities rather than relying on the performance of a single property or borrower.

  • Mortgage investments are secured by real property, providing an additional layer of security compared to many alternative investment options.

  • Our team has extensive experience working throughout Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador.

HOW WE APPROACH RISK

PEROPERTY-FOCUSED LENDING
PRACTICAL UNDERWRITING
RELATIONSHIP-DRIVEN LENDING
DISCIPLINED DECISION-MAKING
MARKET EXPERTISE
DIVERSIFICATION

Our team of experts is comprised of seasoned professionals who bring a wealth of knowledge and expertise to the table. With a keen understanding of market trends and an extensive network of partners, we are able to provide comprehensive guidance and deliver innovative loan options that adapt to the ever-changing financial landscape.

MEET THE TEAM

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RYAN MACNEIL
CO-FOUNDER & PRESIDENT

Ryan has extensive experience in private lending, including arranging over 1,800 private mortgages in Atlantic Canada, totalling over $360M in mortgage funding. Through prior experience and education (B.Sc. Engineering, MBA) Ryan’s skillset includes sales, account management, problem solving and analytics. He has established strong connections with mortgage brokers in Atlantic Canada and was recognized by Canadian Mortgage Professionals magazine as a "Rising Star" in the mortgage industry.

Contact Ryan

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ZACK MUIR
CO-FOUNDER & DIRECTOR, CREDIT & RISK

Zack has a strong background in residential and commercial lending. He worked as an underwriter at CIBC, Manulife Bank before joining True North Mortgage as a successful mortgage broker. Most recently, Zack led the underwriting team at Atlantic Canada’s largest private lender. Zack's experience as both an Underwriter and Broker allow him to make efficient and informed decisions when evaluating financing opportunities.

Contact Zack

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NEAL ANDREINO
CO-FOUNDER & DIRECTOR, INVESTOR RELATIONS

Neal has a diverse background in entrepreneurship, investment, and real estate. He started multiple businesses while studying Mechanical Engineering at Dalhousie University. Soon after he became a top-producing realtor with RE/MAX Nova while accumulating over 100 residential units in his portfolio. Neal is also the host of the Master Keys Podcast and the Co-Founder of the MKR GROUP.

Contact Neal

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SAMUEL HORSMAN
MORTGAGE ANALYST

Sam brings a strong background in residential mortgage lending, having worked as a Mortgage Broker in Nova Scotia. During his time in the industry, he assisted a wide range of clients—from first-time homebuyers to real estate investors—by structuring customized financing solutions across both traditional and private lending channels. Sam's hands-on experience with credit analysis, document review, and client advisory allows him to assess deals with a practical, solutions-focused mindset. His transition into mortgage underwriting is supported by a deep understanding of lender guidelines, risk assessment, and the end-to-end mortgage process.

Contact Samuel

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ERIN MORAAL
EXECUTIVE ASSISTANT

Erin leads all adminstrative activities for the Keystone team as Executive Assistant. Prior to joining Keystone, Erin worked as an Executive Assistant with Bulk Barn Foods for 7+ years. Outside of work, Erin is a competitive figure skater, and recently traveled to Germany to compete for Canada!

Erin covers all aspect related to Client Relations for Keystone.

Contact Erin

Testimonials

  • Rob Jennings

    Jennings & Associates, East Coast Mortgage Brokers

    Keystone is a valued and trusted industry partner for my team of mortgage broker agents and most importantly my clients. My clients trust me, and I trust Keystone.

  • Earl Smith

    TMG The Mortgage Group

    As a mortgage broker, I value lenders who are responsive and practical — and Keystone Capital consistently delivers. Their underwriting is thoughtful, communication is clear, and they work with me to structure solutions instead of defaulting to declines.

    They’ve helped me close several complex files smoothly and professionally, creating a great experience for my clients. A reliable partner I’m happy to work with.

  • Jason Coady

    East Coast Mortgage Brokers

    Working with Keystone has been consistently exceptional. Their efficiency stands out in every file — communication is clear, timelines are reliable, and nothing gets overlooked. What I appreciate most is Keystone’s common‑sense approach to mortgage deals. They take the full picture into account, understand real‑world client scenarios, and focus on practical solutions rather than unnecessary hurdles.


    Turnaround times are excellent as well. Files move quickly from submission to underwriting, and funding is handled with the same level of speed and professionalism. Having a partner like Keystone, who operates this smoothly, makes a meaningful difference for both brokers and clients.
    Highly recommended for anyone looking for a lender who combines practicality, responsiveness, and strong execution.

  • Bradley Donnelly

    Premiere Mortgage Centre

    I strongly recommend Ryan, Zack and the team at Keystone for their services. Have used them for multiple projects from short term lending, to renovations to construction mortgages. Their turn around time is amazingly quick and there underwriting is based on a commen sense approach to lending. I highly recommend Keystone for your next file.

  • Sarah Nixon

    TMG The Mortgage Group

    Keystone Capital is one of my top private lenders in Atlantic Canada. Ryan, Zack, and the team are highly responsive, client-experience focused, and consistently willing to think outside the box to deliver tailored solutions.

  • Andrew Knee

    Jennings & Associates, East Coast Mortgage Brokers

    Keystone has been fantastic to work worth. Innovative and flexible making for a great broker and client experience!!!

  • Rachel Forrest

    TMG The Mortgage Group

    Keystone has been great to partner with as an Associate Mortgage Broker in Nova Scotia. They are always quick to respond to my calls and messages and provide a great financing option for my clients who need it. Working with them was painless and I would be happy to collaborate again in the future. Thanks Ryan and Zack!

  • Tyler McLellan

    Advisory X

    As a mortgage broker, working with Keystone for alternative lending solutions is a valuable asset. Zack and the team are fantastic to work with.

  • Stacey Collett

    TMG The Mortgage Group

    As a broker, I can honestly say, amazing service for my clients, and fabulous people to work with.

  • Kathy Nutter

    Estate Mortgage

    Worked with keystone Capital for a client that needed some financing and it went really smooth, Zack was awesome to deal with. Great experience.

  • Catherine Fogarty

    TMG The Mortgage Group

    Best Private Lending Experience I Have Used for My Clients! Solutions.

  • Scott Johnson

    Principal Broker, One Stop Financial Solutions

    I recently had the pleasure of working with Keystone Capital Group, and the experience was flawless. Their team demonstrated outstanding professionalism and deep industry understanding. They provided valuable guidance, ensuring a smooth and efficient process with no hiccups. Attention to detail and meeting deadlines were exceptional, resulting in a seamless transaction. Keystone's professionalism and commitment to efficiency left a lasting impression. I highly recommend their services to brokers and clients, and I look forward building a long-term partnership with them. Thank you for a stress-free transaction!

  • Sarah Albert

    Mortgage Broker, Premiere Mortgage Centre

    I have been dealing with the team at Keystone for many years. As a Mortgage Broker it is so important to have lenders that can make sense of a file and truly understand all of the next steps! This team has done this again and again for us!

  • Christine Milley

    Mortgage Broker, Premiere Mortgage Centre

    Great to work with, the entire process was very simple! Knowledgeable and highly responsive.

  • Alex Lavender

    Mortgage Broker, Centum Clinton Wilkins Mortgage Team

    As a broker I have the had opportunity to work with Keystone on a few occasions and they are a great solutions based lender. They listen to the story instead of just looking at the facts and they are willing to provide solutions to people that may have no where else to go to help them get back on track. They provide quick turn around times and good communication and I look forward to working with them more in the future.

  • Hannah Martens

    Mortgage Broker, VirtueLife Financial

    Keystone Capital is fantastic to work with! As a Mortgage Broker located on PEI, I love having Keystone as a partner when my clients need a private lending solution. The team they've built is dedicated, hardworking, and incredibly on the ball!

  • Elaine Trask

    Mortgage Broker, Premiere Mortgage Centre

    I collaborated with Keystone Capital Group and had an exceptional experience. Their professionalism and industry experience ensured a personalized touch for my client. I highly recommend their services and look forward to a long-term partnership!

  • Trudi Schuurhof

    Mortgage Broker, Mortgage Alliance

    As a Mortgage Broker in Nova Scotia, I was so pleased with the service from Keystone Capital Group. I had approached another Private Lender, but the conditions were not favorable for my client. When I spoke to Keystone - we were able to come up with a plan that I knew my client would find more acceptable. Within 2 or 3 days, the deal was conditionally approved and we were able to fund in no time - based on the clients requirements. Thank you for your great service and I look forward to working with you on future deals!